Why Promote This Offer

The Bright Loans affiliate program pays a CPA of $8 for every personal loan successfully disbursed through the LMS for a new Indian user. With a fully digital Aadhaar and PAN-based KYC process and a disbursal-on-approval model, this program gives publishers a strong per-conversion payout in India's personal lending affiliate space.

1. A $8 CPA on LMS disbursal is competitive in India's digital lending affiliate market, with the disbursal trigger ensuring commissions are tied to fully verified, bank-confirmed loan completions rather than registrations or partial applications.
2. The fully digital application process with Aadhaar and PAN verification keeps friction low for the borrower, resulting in higher application completion rates and stronger disbursal conversion for publishers driving loan-intent traffic.
3. India's large personal credit market - particularly among salaried individuals who need small, fast loans between paydays - creates consistent year-round disbursal demand across Tier 1, 2, and 3 cities.
4. The LMS disbursal event fires only on bank-confirmed loan disbursals, providing clean attribution and eliminating commission disputes from rejected or pending applications.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian personal finance and loan comparison content sites, EMI calculator and credit eligibility tool platforms, YouTube channels covering instant loan apps for Indian salaried audiences, Telegram financial communities, and media buyers running display or push campaigns targeting Indian adults with personal loan or credit intent.

Audience Match

Converts best with Indian salaried and self-employed adults aged 22 to 50 who need fast access to personal credit for planned or emergency expenses and prefer a fully digital, no-branch loan experience that disburses directly to their bank account.

Traffic Rules

Allowed

• Organic Indian personal finance, instant loan, and loan comparison content
• EMI calculator, credit score, and loan eligibility tool placements
• Email marketing to opted-in Indian finance and employment audiences
• Native advertising on Indian finance and lifestyle platforms
• Display and DSP campaigns geo-targeted to India with personal loan intent
• Push notifications targeting Indian adults in a financial decision-making context

Not Allowed

• Incentivized or reward-based referrals
• Fraudulent or duplicate loan applications
• Brand keyword bidding on Bright Loans paid search terms
• Traffic from outside India
• Content targeting users under 21 or encouraging over-indebtedness
• Pop-up or pop-under traffic

Compliance Note

All promotions must comply with RBI digital lending guidelines and ASCI advertising standards. Do not make guaranteed approval claims or misrepresent loan rates, eligibility criteria, or disbursal timelines in any creative material.

Tracking Flow

1. Publisher places their S2S Postback tracking link in Indian personal finance or loan content.
2. User clicks and is directed to the Bright Loans app on Google Play.
3. User downloads, installs, and completes digital KYC with Aadhaar and PAN.
4. User submits a loan application through the app.
5. Loan is approved and disbursed to the user's bank account via the LMS.
6. S2S Postback fires the LMS disbursal conversion event to the affiliate network.
7. After the 30-day validation window, $8 is credited per confirmed disbursed loan.

Tracking Window: 30 days  |  Attribution: Last-click  |  Tracking Method: S2S Postback  |  Deduplication: One CPA per unique new Indian user disbursed loan

Promotional Tips

• Payday loan and salary-gap content targeting Indian salaried adults mid-month converts consistently throughout the year - position Bright Loans as the fast, regulated digital option for borrowers who need credit before the next payday.
• Festival season and year-end are the peak personal loan demand periods in India - scaling push and display volume ahead of Diwali, Eid, and December delivers above-average disbursal conversion rates.
• EMI calculator tools embedded in comparison articles are among the highest-converting entry points for loan disbursal programs - users who calculate repayment first are already intent-qualified when they reach the application.
• Loan comparison content benchmarking Bright Loans against other instant loan apps on disbursal speed and approval criteria attracts users already in the active decision stage.

Payment Methods

Publishers are paid through multiple flexible methods including Crypto, Wise, PayPal, Wire Transfer, and more. Payouts are processed on a Net-30 cycle once your earnings clear the minimum payout threshold. Contact your account manager if you need to set up or change your preferred payment method.